If the credit card is overdue, you won't want it.

1. Every bank (even every branch of the same bank) will have its own measure for overdue treatment. Because the people's bank of China's credit information system is only used as a reference for banks to put in credit, not as a criterion.

2. As long as you can explain the situation and convince the bank that your previous overdue is not malicious, the number of times is not a problem. The main ways to explain the situation to the bank are:

A, let the original credit card issuing behavior you issue a non-malicious overdue certificate (this will be more difficult).

B. Write a statement to the bank when you take out the loan, explaining the reasons why you were overdue before (such as going on a business trip, forgetting or not knowing the repayment date) and the attitude that you will repay on time in the future. (This is a common practice)

C. If you have other credit card or loan records, these records are good, and they will also become evidence of your non-malicious overdue.

3. Generally speaking, the overdue time within 10 has little effect. One of my customers, the previous mortgage was overdue by 5 1 time. After finding out the situation, the loan was also released.